Category Archives: Uncategorized

Finding the Best Investment Property Interest Rates

People nowadays are searching for added ways to build up their earnings so most of them are drawn into investing particularly in real estate as it is gaining reputation in the market. Many find this beneficial and can produce better proceeds than your regular investment. Then again, any type of business would always entail not only expertise in the field but also sufficient capital to fund your property investment. That is why there’s the presence of investment property lenders or banks to support you with your financing.

Loaning is your only answer if you don’t have cash to acquire and upgrade a property. But most people are still worried of borrowing from lenders or banks because of investment property interest rates. It is similar to regular loans where you can pick between variable or fixed interest rate. When you loan from a bank, there are ways to save cash by reducing the amount of interest that you will pay. Due to rise of lending companies, banks are giving special offers and discounted rates.

Interest rates will influence on how you are going to pay for your loan, so if you have lower interest rate, you will be paying for a smaller loan. So it is vital for you to find the best investment property interest rates.

* Compare – lending companies compete with each other and it is in the best interest of the investor to search for the company that offer the best rate.

* Property investing – some lenders extend lower interest rates for property investment as it is considered a low risk investing. This is a good thing for those who foster their wealth through real estate.

* Borrow more – some lenders offer discounts on interest rates for a person who borrows more. This may appear risky but as long as the investor knows what he’s doing, why not? It will produce great return if money are used wisely. Borrowing more can also mean an opportunity to remodel the property, if possible, for an growth in revenue.

* Loan calculation – this is very [helpful|useful especially|specially if the investor focuses more on real estate investing because it can give you the best loan [option that will suit your needs. While some people use home loan calculators to find better investment property interest rates, it is still advised to speak to a consultant who can complete the calculations that is precise to his or her goal and situation.

Generally, it is very important for you to find a loan with a reduced interest rate as this will affect how less you are going to pay for your loan and save you a lot of funds. Again, search for special offers and discounted rates on investment property, and then compare providers to make sure you are getting the one with the best investment property interest rates.

Investment Property Home Loans

Home loans are useful for buying any properties and are typically associated with helping us to afford the homes we intend to live in (hence the term ‘home’ loans). However there can also be good reasons to take out loans for properties other than your home, and investment property home loans mean that you can afford to start investing in property and making money from those investments without having to start off as a multimillionaire.

Investing in property as we all know is one of the most reliable investments anyone can make. This is or several reasons and we’ve all heard them quoted a hundred times: everyone needs land, the population is growing, its almost guaranteed to increase in value… etc etc You can further increase the success of these investment opportunities then by investing in properties in up-and-coming areas, or in places that are soon to have a lot of money spent on them for development. At the same time there are so many ways for you to make money from a property investment that it makes tonnes of sense as a way to tie up your money and watch it grow.

The problem is however that property is obviously very expensive and is a very considerable investment. This means that not everyone can afford to buy a property outright, and thus they believe they can’t join in on these lucrative investments.

However that need not be the case, and with investment property home loans it’s very possible to afford to buy properties that you might not otherwise be able to as you won’t need to pay for them in one lump sum. By spreading out the cost of your property with an investment property home lone, you can then make the investment much more manageable. Of course you will pay more for investment property home loans than you would buying the home outright as you will have to pay interest. However the idea of this purchase is that you’re making an investment which means hopefully you will make lots of interest yourself on the purchase. If all goes to plan then you will be able to earn significantly more than the interest on the loan making that negligible. This is even more the case if you somehow increase the value of the property rapidly. For example if you are fairly adept at DIY and maintenance, then it is a great money making scheme to buy up properties using a loan, to make them more presentable by painting and decorating, and then selling them on for a large profit. It’s possible this way to make thousands in a few weeks or months’ worth of work.

Another great thing about an investment property home loan is that you won’t be living in the property which frees it up for you to lease it out. For example then you can take out a loan and rent the property out, then use their rent to pay the loan back before selling it on for a massive profit margin.

Eco-Friendly Fashion And Products Protect Our Environment

I admire eco-friendly clothes and products. Recycling materials is a great way to support our environment. Try going green and recycle products that you have stored in your home such as plastic, water filters and bottles. Urth Bags is a unique company that uses recycled materials to make eco-chic handbags. I love my Urth Margaretia style handbag. It is made from recycled juice boxes.

Clothing that is made from organic materials is unique and creative. Eco-friendly clothing is environmental friendly made with materials that are chemical free. Hemp is a softer fabric. Hemp, organic cotton and wool are popular materials used in eco clothing. Traditional clothing is made out of nylon materials that have chemicals tied to global warming.

Recycled jeans are typically made out of organic cotton. It is not produce with harmful chemicals. Organic cotton is certified to be free of any toxic dyes and pesticides. Materials used are not derived from animals. You will not find leather boots or a crocodile purse in an eco-friendly clothing store.

There are wealth of unique and beautiful clothing and accessories that can be made using natural and organic materials. Jewelry can be made with recycled materials from silver and gold. Eco-friendly perfumes are made without alcohol and with natural ingredients. Eliminating chemicals out of perfumes protects the environment.

Eco shoes are made with recycled materials such as bamboo, vegan and faux leathers, cork and recycled rubber. There are a variety of beautiful and unique eco shoes to purchase such as heels, sandals, casual, wedge heels, boots, flats and athletic style.

Skin care and hair products are not tested on animals. There are body creams, lotions, soaps, shampoos and conditioners that are chemical free. Some retailers such as Whole Foods Market sell eco beauty products. Natural ingredients are healthier for our bodies.

Cleaning products that are eco-friendly are less harmful. Liquid soaps, detergents and all purpose cleaners that are plant based and biodegradable are effective cleaning agents. Also, the cleaning products are safe for use if you have children and pets.

HGTV showcases numerous programs on tips for going green and converting your home and garden. Make home improvements using fluorescent lighting, limiting water usage, and adding energy efficient windows and roof. These changes in your home are economical and safer. You can improve the air quality in your home and reduce usage of energy.

Eco-friendly living will improve the quality of your life and home while protecting and preserving the Earth.

Fleur De Lis Fashions and More – Your Fleur De Lis Superstore

The Fleur De Lis is more than just a symbol. It represents all of the people that were victims of Hurricane Katrina. The Fleur De Lis has become a popular symbol of faith and rebuilding of lives and homes of everyone affected by this terrible natural disaster.

Most of the time when a natural disaster strikes, the people involved don’t know how to deal with the outcome. The news and media outlets project an image of all out terror and panic of the people in the areas affected. I personally had the unfortunate luck of being in the middle of hurricane Katrina and feeling her almighty force. The calamity brought forth was unforseable as I watched trees snap like toothpicks, homes covered to the rooflines in water, and people unable to get out floating lifeless in the street.

There are many ways to express ones feeling about something like a hurricane or earthquake or flood. Mixed emotions still run through the city like some sort of bubonic plague. Everywhere you go, coffee shops, malls, etc. one still hears the words pre-Katrina or Post_Katrina. We don’t live in today’s time we live in Katrina time.

The days after the storm were very strange. There were animals running wild that were left behind by their masters, people wandering the streets with no cause, and buildings that were lifted from their foundations like someone very strong picked them up and dropped them next door. There were no utilities available such as electricity or running water for the uprooted trees broke the water mains. The city was a ghost town. What was even stranger was the fact that gunfire was still heard even though few people remained. I suppose the gunfire was law enforcement killing hungry animals that escaped their restraints. There are many details about life after the storm that most people didn’t experience because they weren’t there. They were holed up in some strange hotel paid by FEMA or with some relatives whom they haven’t seen in years.

Hurricane Katrina has left her scars to witness anywhere one travels in this Post-K world. Many homes will never be lived in again and many families will never see their loved ones again.

Surviving an Economic Downturn – Five Tips For Small Business in the Fashion and Retail Industry

Google and YouTube, the darlings of Wall Street, are lowering their revenue expectations this year according to the WSJ. When multi-billion dollar powerhouses start kvetching about the economy, wonderment at your own business’ slowdown feels validated.

The fashion industry as a whole is one of the first to feel the effect of an economic slowdown. Disposable income diminishes as necessities like food and fuel become more expensive. Early 2007 industry analysts like Markos Kaminis were anticipating a slow down in the industry, even though most major retailers were in deep denial. First quarter of 2007 Companies like Coach and Blue Nile were touting the strength of their sales, translating into increases in their stock prices. Fast forward to early 2008 and the picture has changed dramatically for both companies. First quarter of this year found both Coach (COH) and Blue Nile’s (NILE) stock down by half of their last year highs.

What do the woes of billion dollar companies have to do with your family owned boutique or independent clothing line? They feel economic downturns later than small businesses, and they have far more resources to stay afloat. However, many small business owners don’t realize (or are too modest to consider) that they too can apply within their own business many of the same tactics that the “big boys” use to mitigate losses and avoid bankruptcy.

1. Get lean and mean
Scrutinize your non-essential and convenience services that can be dumped, or done in a more cost effective way. Employees used to that water delivery? Time for them to embrace tap. Have you looked at your recent cellphone bills? Can you live with a smaller plan and still avoid overage charges? Have you compared your credit card merchant vendor with their competition lately? Using a shredding service? Convenient, but would an Office Depot shredder suffice? Can you refine your workforce to fewer employee hours without affecting service?

2. Prioritize your must-haves
You must have electricity & telephones, so place those vendors at the top of your expenses. You need product to sell, or materials to make your products, so staying on good terms with your suppliers is essential. Employees must be paid for the work they’ve already done. Eviction is an obvious business killer, so paying your rent is a must. Or is it? These essential, must-have elements are necessary to staying in business, but when Paul is demanding payment, it’s time to get on the phone with Peter. Prioritizing between these essentials, and therefore your ability to be an ongoing venture, may depend on your ability to follow my next suggestion…

3. Negotiate your debts
If you find yourself in a cash flow crunch you’ll need to shore up your courage, get on the phone, and start asking for concessions from your vendors and suppliers. One unfortunate benefit of an overall downturn in the economy is that everyone is in the same boat. Most of your vendors are experiencing at least some of the same economic challenges you are encountering. They too are finding fewer new customers, and loyal customers are probably spending less. You will most likely find your vendors receptive, especially if you are pro-actively contacting them before your bills are terribly overdue. They don’t want you to go out of business any more than you do! Don’t just limit your calls to your suppliers, you can also negotiate with your landlord, credit card lenders, anyone and everyone to whom you owe money. It’s never too late, but if you’re in trouble, start today! The longer you wait, the less credibility you will have. Your goal should be to satisfy creditors based on what you can afford, not unrealistic collection demands that will only discourage you into washing your hands of the whole affair.

4. Make the 80/20 rule your mantra
A major business rule-of-thumb is that 80% of your business is made up from 20% of your customers. That means 80% of your effort and resources need to be focused on the top 20% of your customers. That doesn’t mean putting all your eggs in one basket! While you need to give your top current customers your love and attention, you also don’t want to assume they’ll always be there. You will use this information to identify what those customers have in common so you have a stronger sense of your core market. That’s why sales and marketing will become more essential to your survival at a time when you might need to cut their budgets. So, it’s time to get creative…

5. Pump up your marketing
This might seem like a bad time to be investing in more advertising, but it’s a good time to demand a greater return on your advertising dollars. Since marketing budgets are often the first to go, advertising venues are clamoring for your business. You’re probably getting the same desperate sales calls that I get from magazines, trade show venues and the like. A friend in the promotion printing business told me his sales were down over 25%. The upside is that an advertising dollar has never gone further.

Your closely paid attention to that top 20% of your customer base has helped you identify your core market and you’ve decided on the best medium to communicate with them. So, now you’ll want to use the magic words (these will work on all your vendors, including advertising services), “What’s your best price?”, “Oh, that’s X amount outside of my budget, could you do a little better for me?”, “I’d be interested in product A if product B were also included in the price.” Keeping these magic words in mind in both the good times and bad will keep your business happy, healthy and feeling wise.